The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,494
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$1,090/mo
Today · 4.125%
HK$36,657
baseline
▲ 0.50% · 4.625%
HK$38,888
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,314/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,374
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,404
−HK$1,044/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,580
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,393
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,680
−HK$1,309/mo
Today · 4.125%
HK$43,989
baseline
▲ 0.50% · 4.625%
HK$46,665
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,978/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,049
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,284
−HK$1,253/mo
Today · 4.125%
HK$48,537
baseline
▲ 0.50% · 4.625%
HK$51,096
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,074/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,794
−HK$1,526/mo
Today · 4.125%
HK$51,320
baseline
▲ 0.50% · 4.625%
HK$54,443
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,640/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,724
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,165
−HK$1,462/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$59,611
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,089
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,021
−HK$1,962/mo
Today · 4.125%
HK$65,983
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,966/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,074
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$1,880/mo
Today · 4.125%
HK$72,806
baseline
▲ 0.50% · 4.625%
HK$76,643
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,612/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,274 · Scale 2, in force from 26 Feb 2026)